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Solo 401k Calculator · Version 1.0

How It Works

Solo 401k Calculator uses 2026 IRS rules to estimate your maximum retirement contributions as a self-employed individual.

Income Types

• Sole Proprietor / LLC: Enter your Schedule C net profit. The app applies the IRS formula (×0.9235) to calculate net self-employment compensation.
• S-Corp Shareholder: Enter your W-2 wages from the S-Corp. Employer profit sharing is based on 25% of W-2 wages.

Contribution Limits (2026)

• Employee elective deferral: up to $24,500
• Employer profit sharing: up to 25% of net compensation
• Combined maximum: $72,000
• Catch-up (age 50–59, 64+): additional $8,000
• Super catch-up (age 60–63): additional $11,250 (SECURE 2.0)

Traditional vs Roth

Traditional contributions reduce your taxable income now. Roth contributions are made after-tax but grow tax-free. The app estimates federal tax savings for Traditional contributions based on your filing status and income.

Plan Comparison

The Compare tab shows your maximum contribution across Solo 401k, SEP-IRA (25% of net comp, up to $69,000), and SIMPLE IRA ($17,000 + catch-up).

Disclaimer

Results are estimates for planning purposes only and are based on 2026 IRS limits. Actual contribution limits depend on your specific tax situation. Please consult a qualified tax professional or CPA for personalized advice.